Have A Hobby Of Expiring Overseas? Let's Find Out The Importance Of Having Travel Insurance

Illustration. (Photo: Doc. Antara)

JAKARTA - Visiting a new place with a different culture and environment from my hometown can indeed be an unforgettable experience in life. For that reason also why there are many people who have a hobby of melting, not only out of town, but abroad.

Even so, when it comes to life, don't just focus on the intention to have fun and knit a new experience. In order to guarantee protection against any risks that may occur during the fun of the release, you need to prepare a travel insurance.

In general, the main function of this travel insurance is to provide protection against various risks or unexpected things while traveling. Especially during a pandemic like today, the insurance product is something that should not be missed when planning to travel.

Well, for those who want to know more about what the benefits and importance of having travel insurance while traveling, see the full explanation below.

Who says that if the benefits of protection against the risk of illness and hospital costs are only borne by health insurance? In fact, for travel insurance customers, these benefits can also be obtained when they are on a pilgrimage. Unlike health insurance, the benefits of coverage of health costs from travel insurance can only be obtained when customers are on the way.

Whether it's due to fatigue, difficulty adapting to the local climate, or accidents, the cost of treatment or treatment at the hospital during the trip will be borne by travel insurance. Especially if you visit a place or country with a much different climate from in Indonesia, the benefits of travel insurance products are certainly important to get.

Regarding the coverage ceiling provided by yourself, it generally depends on the insurance provider's policy and the amount of premium borne by customers. So, with this insurance protection, you no longer worry about the risk of covering the large cost of health care while traveling.

In addition to covering medical expenses while traveling, this insurance product also guarantees protection against the risk of being damaged or losing baggage. As we know, the problem of damage or loss of baggage is something that can happen while traveling, especially when using an airplane mode.

These problems also often occur outside the control of customers and can have a big loss when in the lost or damaged baggage there are important documents such as visas or passports. By preparing travel insurance, losses due to this problem will be borne by insurance providers.

Even if you have to deal with the authorities because you are unable to show important documents, the insurance company will also provide assistance so that the problem can be resolved. Travel activities are also able to take place more safely and comfortably according to plan.

Another problem that is often a source of disaster from travelers is the mode of transportation that has been ordered long ago or even the cancellation of departures. When this happens, the losses caused can spread to many things, such as canceling hotel reservations, or not being able to visit important events on time.

Fortunately, when applying for travel insurance, you will be more protected against the risk of the problem. The reason is, the insurance provider will guarantee coverage and compensation for the risk of delays and travel cancellations.

Some examples of protection provided are the provision of other flight tickets at the same time or close together, reserve hotel reservations, and so on according to the provisions of the policy.

Many do not know if travel insurance also provides protection against the risk of death or permanent defects in the form of compensation such as life insurance. These compensations will be given to the family or heirs left behind.

This benefit certainly makes the insurance product much more important to prepare before leasing, especially those that reach other countries.

Regarding the nominal itself, it varies depending on the provisions on the policy and the amount of premium borne by customers. Therefore, before deciding to choose travel insurance, first check whether the benefits of protection against the risk of death or permanent defects are in accordance with the needs or not.

Propose Travel Insurance That Can Give Benefits Of Protection According To Needs

Although able to provide many important benefits as described above, some people still feel that travel insurance is not too urgent to prepare when crossing.

In fact, travel insurance premiums are usually relatively affordable and will not be too significant to swell holiday budgets. Most importantly, apply for this insurance product according to the needs and budgets to ensure the benefits of protection provided optimally.